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Financing Mixed Use Properties: Live, Work, and Invest in One Place

September 23, 2025 by Kay Monigold

Mixed use properties are becoming an attractive option for buyers who want to combine residential, commercial, and investment opportunities all in one place. These properties can provide unique benefits, such as generating rental income while also serving as a primary residence. However, financing a mixed-use property requires a different approach than financing a traditional single-family home, and understanding the process is key to making the right decision.

Filed Under: Mortgage Tips Tagged With: Mixed Use Properties, Mortgage Tips, Real Estate Investing

What’s Ahead For Mortgage Rates This Week – September 22nd, 2025

September 22, 2025 by Kay Monigold

It has been a relatively light week following the recent rate changes, as the Federal Reserve has felt the need to drop the current rate by 25 basis points. They have also mentioned the possibility of two additional rate cuts within this year. This follows the recent sharp criticism from the current administration, which condemned the Federal Reserve's insistence on maintaining existing interest rates.

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Myths About Mortgages That Still Fool Homebuyers

September 19, 2025 by Kay Monigold

Buying a home is one of the biggest financial decisions most people will ever make, and the mortgage process can feel overwhelming. With so much information available, it is easy for myths to spread, and many homebuyers still believe ideas that are simply not true. Clearing up these misconceptions can make the path to homeownership less stressful and much more successful.

Filed Under: Mortgage Tips Tagged With: Home Buying Journey, Mortgage Myths, Mortgage Tips

Deciding Whether to Pay Extra Toward Principal or Save for Other Investments

September 18, 2025 by Kay Monigold

When it comes to managing your mortgage, one of the most common questions is whether to put extra money toward paying down the loan principal or to save that money for other investments. Both choices have advantages, and the right decision often depends on your goals, financial situation, and comfort with risk.

Filed Under: Mortgage Tagged With: Mortgage Education, Mortgage Tips, Wealth Building

How Borrowers Can Benefit from Inflation with the Right Mortgage

September 17, 2025 by Kay Monigold

Inflation is a topic that impacts nearly every part of the economy, from the cost of groceries to long term financial planning. For homeowners and those considering a mortgage, inflation can feel intimidating. However, with the right perspective and strategies, borrowers can use inflation to their advantage and create lasting financial benefits.

Filed Under: Mortgage Tagged With: Home Buying Journey, Inflation And Mortgages, Mortgage Tips

How Parenthood Changes Mortgage Needs and Housing Priorities

September 16, 2025 by Kay Monigold

Becoming a parent is one of life's most exciting milestones. Along with the joy and responsibility of raising children, many families find that their housing needs and mortgage priorities change dramatically once little ones arrive. What may have worked for a single person or a couple often needs to be reevaluated when planning for the comfort, safety, and growth of a family.

Filed Under: Mortgage Tips Tagged With: Homeownership Journey, Mortgage Tips, Parenthood

What’s Ahead For Mortgage Rates This Week – September 15th, 2025

September 15, 2025 by Kay Monigold

Both the CPI and PPI came in precisely within expectations. Under the current circumstances, there is now a very high probability that the Federal Reserve will implement a quarter-point rate cut, a view widely shared by industry analysts. There is also a strong possibility of another cut to follow.

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Strategies to Save on Your Mortgage in a Rising Rate Environment

September 12, 2025 by Kay Monigold

When interest rates climb, homeowners and buyers alike often feel pressure on their monthly budgets. Fortunately, there are strategies that can help you save money and manage your mortgage more effectively even in a rising rate environment. By making thoughtful adjustments and using available tools, you can still work toward long term financial security.

Filed Under: Mortgage Tips Tagged With: Mortgage Savings, Mortgage Tips, Rising Rates

5 Key Steps in the Mortgage Underwriting Process

September 11, 2025 by Kay Monigold

Buying a home can be exciting, but it can also feel overwhelming. Understanding the mortgage underwriting process can make things a lot smoother!

Filed Under: Mortgage Tagged With: Home Loans, Mortgages, Underwriting

Understanding the Temporary Rate Reduction Mortgage

September 10, 2025 by Kay Monigold

Buying a home is exciting, but the thought of monthly mortgage payments can feel overwhelming, especially for first-time buyers. One strategy to ease the financial burden is a temporary rate reduction. This type of mortgage allows borrowers to pay a lower interest rate for the first two years of the loan before it returns to the original fixed rate.

Filed Under: Mortgage Tips Tagged With: Financial Planning, Mortgage Tips, Temporary Rate Reduction

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Our Team

Kay MonigoldKay Monigold
Owner/Mortgage Broker/Residential Mortgage Loan Originator
NMLS#1086176

Steven LoweSteven P Lowe, Sr
Residential Mortgage Loan Originator
NMLS #1085638

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